================================================================================ UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ------------------------ FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): APRIL 28, 2004 NELNET, INC. (Exact name of registrant as specified in its charter) NEBRASKA 001-31924 84-0748903 (State or other jurisdiction of (Commission File Number) (IRS Employer incorporation) Identification No.) 121 SOUTH 13TH STREET, SUITE 201, LINCOLN, NEBRASKA 68508 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (402) 458-2370 NOT APPLICABLE (Former name or former address, if changed since last report.) ================================================================================ ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION On April 28, 2004, Nelnet, Inc. issued a press release with respect to its earnings for the fiscal quarter ended March 31, 2004, which is furnished as Exhibit 99.1 to this Current Report on Form 8-K. Additional information for the quarter, which is available on the Registrant's website at www.nelnet.net, is furnished as Exhibit 99.2. SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. Dated: April 28, 2004 NELNET, INC. By: /s/ Terry J. Heimes ------------------------------- Name: Terry J. Heimes Title: Chief Financial Officer NELNET, INC. FORM 8-K CURRENT REPORT EXHIBIT INDEX Exhibit No. Description - ----------- ----------- 99.1 Press Release dated April 28, 2004 99.2 Additional Information Available on the Registrant's Website